Priority, As per the letter that I received from IJ today, (the 12 days are not quite up yet) they state that they are going to return the debts to Gratton & Great Universal, & return my £1 via a cheque. Now as IJ have written to me before the 12 day is up does this mean they are not liable to produce the Agreement, even tho they have been taking my money for 14 years, I have no Idea how much I have paid them back, or do they still have to comply with my request regardless. where do I stand also the fact that they are now returning the debt. Am I now able to write to IJ and inform them that they had no right to collect a debt for the last 14 years and demand they pay the money back? If so how on earth would I know how much to ask for? Also would I be able to claim Interest? LOL I am going to take this all the way as I remember that they made my life hell. Let me know how you get on, yours is a very similar case.

Just been reading through some of the debt threads, please correct me if I am wrong, but as Intrum Justitia do not have a copy of the Agreement, surely they have been taking my money illegally for the last 14 years, is there a letter to send stating that they had no right to collect the Debt on behalf of Great Universal & Gratton (I have 2 debts with them) without the Agreement. Where do I stand though as they have now returned the debts back to Gratton & Great Universal (as per their letter above) Any help would be much appreciated

Falcon, Sorry I forgot to mention that the other 2 I have been paying for 14 years as well LOL I sent a CCA to IJ and the reply is above.....that I received this morning, I have been paying them around £5 between them, but I thought IJ bought these debts but it appears not according to their letter. I can action IJ have a read of the letter and let me have your thoughts. Thanks

Falcon the £7 debt is regarding the first paragraph regarding Geoffrey Parker Bourne and I sent a CCA to them and they sent a letter back (reply in thread) Did not realize that this debt was a CCJ and waiting for someone to come along and give me some advice. There are 2 other debts going back 14 years as well both with Intrum Justitia I sent them a CCA and the reply came today, see above. These debts are from a marriage break up - the £7 debt for your info. LOL still owes over £1,200 approx I will be high in the sky by the time this GPB CCJ debt ends;)

lookingforinfo, Yes I am still paying £7 monthly, this debt is so old I cannot remember much about it, all that I know is I have been paying £7 to GPB for the last 14 years LOL, I have no CCJ paper work, I found an old debt book in the loft which then told me it was a CCJ:eek: Of course as this is so old I have a clear credit history, I know that CCJ's can be enforced and obviously this would mean an entry on my credit file. please advise? On to another 2 of these debts I received 2 letters this morning from Intrum Justitia in response to my CCA (these 2 are not CCJ's I double checked with IJ yesterday) this was there response. Dear XXXX Thank you for your recent communication. Unfortunatly we are unale to provide you with the Information that you have requested and in the light of the Information contained in your letter, I can confirm that the above account has been returned to Great Universal Stores and that you will receive no further telephone calls or correspondence from Intrum Justita in relation to this account. Any further enquires you may have with regards to your requests, must be forwarded directly to Great Universal Stores. A cheque for the £1.00 fee you enclosed for the requested information will be returned to you under separate cover. If you require any further assistance, please do not hesitate to contact 0151 472 7103. Yours sincerely xxxxxxx Business Support Manager Where do I go from here, They have been taken my money for 14 years and do not have to seems never had the Credit Agreement. (I have 2 of these letters as I have 2 accounts with them) Help Please on both GPB & IJ

lookinforinfo I have been in the loft as I wanted to wade through some old paper work & it does appear that the debt is a CCJ:eek: I have been paying £7.00 a month. Now do I still send the above letter? I have 4 debts that date back to 1992/3 these were the result of a marriage break up. I will be up in the sky before these are finished lol they are never going to clear. I cannot believe that I have been paying them regularly for the last 15 or so years The other 3 are with IJ & CSL and are not CCJ's I did ring them up, must of thought I rang GPB but obviously didn't.

Just seen I have logged on under my wifes name ooops , I am in trouble now LOL

Thank all sooooo much, I have no doubt that they have the conversations them as 2 members of the fraud department have admitted that the suspect spoke to a different operator 3 times, but now they are saying that they do not have any information, not even typed notes on my account which the operator would have typed up if even only the bare minimum. I knew that this would happen, but I sent a letter requesting that all telephone recordings must be kept, I sent the letter the day after the fraud happened, of course I sent it special delivery, so they cannot come up with the excuse they no longer have them.

Blue, The annoying thing is they have admitted that there a 3 conversations held on the 8th January and I rang up on the eve of the 8th to report the fraud, I know the Banks state that some calls may be recorded for training purposes. We all know that all the calls are recorded as what would happen should the bank want to dispute something, or even take court action, it would be pointless to only record some calls as the banks would have to be hopeful that the information they needed was one of those that had luckily been recorded etc. Of course should anyone want any information regarding this matter, you always get I am sorry we have no records of the calls. As for the operator making notes regarding the calls, some operators write more than others, but they do have to make a summary of the call on your account. I just want them to prove their innocence, because I have doubts that they are guilty. I have wrote up every conversation I have held with them from the 8th Jan and to be honest they have admitted so much, I just need the proof to put my mind at rest.

I have just received this letter from GPB Solicitors, after requesting the CCA, although the 12 days are not up until tomorrow, can anyone advise if I should write back. i am not sure if the debt was brought from Next in 1993 or the Solicitors are just acting on behalf of Next. Dear Madam, Re: Claim number XXXXX Thank you for your letter dated 7th February, with enclosed Postal Order in the sum of £1.00. We will ask our clients if they still hold a copy of the Agreement you refer to but must point out that your contractual liability has been embodied in a judgment since 16th November 1993 and it is unlikely that our Clients will hold any documentation after this length of time. Yours faithfully Geoffrey Parker Bourne This debt was never taken to court, as I ran GPB just before I sent the CCA as I wanted to make sure. Can anyone help please

I have just received this letter from GPB Solicitors, after requesting the CCA, although the 12 days are not up until tomorrow, can anyone advise if I should write back. i am not sure if the debt was brought from Next in 1993 or the Solicitors are just acting on behalf of Next. Dear Madam, Re: Claim number XXXXX Thank you for your letter dated 7th February, with enclosed Postal Order in the sum of £1.00. We will ask our clients if they still hold a copy of the Agreement you refer to but must point out that your contractual liability has been embodied in a judgment since 16th November 1993 and it is unlikely that our Clients will hold any documentation after this length of time. Yours faithfully Geoffrey Parker Bourne This debt was never taken to court, as I ran GPB just before I sent the CCA as I wanted to make sure. Can anyone help please

Deman, You are quite correct in what you say regarding, the banks poor security, the bank in question had failed to protect our Identity, not performed security checks correctly, leading to the suspect to now having all our Identity details, free to obtain credit etc. We have a Solicitor dealing with the case, seemingly he has some evidence to prove they are at fault. Esure have not had the courtesy to write and say that we are not covered for this type of claim, although they said they would make a decision and write to us. The person we initially spoke to made a comment "we look at each individual case" laughable really It appears also whatever the claim, you have to be sure to win, this can never be guaranteed whatever the claim, all down to the judge on the day!! Most Insurance companies, are the same, happy to take your premium, but not happy should you want to make a claim, It would not appear so bad, if when you rang, you got a person whom could guide you, and follow up what they promised.

Sorry just before I send my letters to request the Credit agreement, should I ask to be sent a statement as I have not got a clue as to how much I have paid them over these years, although I do know how much I owe as i got a balance within the last month. The reason I do not know how much I have paid in total to each of the DCA is during the first few years there were payment increases, and all I know is if I continued to pay, I would not be around to finish paying the debt.

Thank you so much, I am going to send me £1 postal order & ask them to supply the original agreement, will be doing that today. I will keep you all posted, as I will probably need help and advice. Thanks again

priorityone Would you send CCAs to the 5 of them?? Is it 12 working days from receipt that they have to reply in? am I correct I would need to send £1 postal order? What happens should they not reply, what would the next step be for me?

I have been thinking of a settlement recently, I got an up to date balance recently (within the last month only verbal) the total amount is approx. £5,000, I could offer a settlement on each of them, but I doubt it would be any where near what they would want to settle, then I would wonder if they would start to hassle me to increase payments. Would the DCA not think it strange that after all this time, I am now requesting a copy of the agreement, where would I stand should they not be able to produce one as I have been paying regular.

Hello, I have been reading through this site for a while now, only having posted once regarding being the victim of Bank Fraud & the advice was brilliant. I wonder if anyone would be able to advise me - I have been paying 4 different DCA since 1992/3, (this was due to a divorce), however I have now been married for the last 7 years, I have never increased these payments LOL, and have never been hassled, I never miss a payment, but the problem I have is I am paying such a low amount that should I reach the grand age of 100 there would still be an outstanding balance on all of them. I am wondering if I would be able to get them written off due to the age, or perhaps you could advise on what I could do. Obviously due to the age the defaults have been long gone from my credit file, none of these are a CCJ just all with DCA. Any advice would be much appreciated.

mooreda, Firstly thanks for the replies, the amount that was taken from our bank was £4,500, I just feel that if I do not pursue with going down the legal route and move on, if the bank has failed security etc which I am of the opinion that they have, then other customers accounts are at risk. Yes we are changing banks. Once we get the trascript, I am going to contact the Ombudsman. Why shoulda bank not be questioned about their security, after all if the boot were on the other foot I am sure very peice of evidence would be shown... We are not bothered about being compensated, its is just the fact we believe that the bank are at fault and why should it be brushed under the carpet.

mooreda, Yes we have been reimbursed with the funds, but that is not the point here, I will try to keep it brief, but feel free to ask questions. The frausdter has used telephone banking to do 1 transfer on Sat 1 transfer on Sunday and on the Monday transfered on 6 separate occasions but within less than 12 hours then on the same day set up a S/O to a TSB account now initially the Fraud department told me that the fraudster would have know enough information i.e mothers maiden name, D.O.B., and the answer to the security question, to change the telephone banking pin to suit themselves number, we were told that they gather personal information then they are able to pass security. We were told that the transfers were made within the same bank through the automated telephone banking, as this would mean they would not have to speak with anyone, but the S/O they would hve had to speak to an operater to set this up. Our intial thoughts were how on earth would they gather this information, and accepted the banks explanation. After the initial shock and after we had time to think, we realised that the pin could not have been changed as on the Monday when we noticed the transactions my husband rang the telephone banking and used his pin number, and his pin number is only in his head nowhere else. This meant that the fraudster had rang 8 times and passed security every time, and what ceases to amaze us that on the last time which was the S/O set up the call centre person failed to suspect unusual activity, anyone with any common sense would have noticed this, on questioning the bank they had no answers, we have requested the actual recordings as we are not sure that the bank have conducted security, nor protected our identity and failed to spot unusal activity. Also we have a very common surname and should the fraudster have an accent, this should have been spoted. We have been told that we can not have the recordings, we can only have a trascript copy, which is no use really as they can edit the parts they feel free to do, but we have asked for the transcript to be certified as a true copy. The reason for this uncertainty with the bank is we have since learnt that friends have forgotten their pin or password and the operater at the call centre has either prompted them which they are not allowed to or they have virtually told them by means of well the first letter is X the 3rd is X and the last in X, we also know that the branch has ordered a replacement debit card when the card holders parent went in and requested a new one. We can only get to listen to the recordings, if we get a court order, we are just convinced that the bank have not followed proceedures correctly. this is high value fraud as well, and yes we have got a crime number.

Hi, To quote the Esure policy booklet: The esure family legal protection policy is underwritten by DAS Expenses Insurance Company Ltd This section of your policy applies if selected in your schedule, We agree to provide insurance in part E of the policy, subject to the terms, conditions and exclusions as long as: the date of the insured incident happens during the period of cover within the territorial limit any legal proceedings will be delt with by a court or other body which we agree to in the territoria limit in civil claims it is always more likely that not an insured person will recover damages (or other legal remedy) or make a successful defence For all insured incidents we will help in appealing or defending an appeal as long as the insured person tells us within the time limits allowed that they want us to appeal. Before we pay any costs and expenses for appeals, we must agree that it is more likely than not that the appeal will be sucsessful. Insured incidents we will cover; Employment disputes, contract disputes, bodily injury, property protection, tax protection, jury service, legal defence. There are a few exclusions within the above, but none of which I believe would affect Esure not agreeing to offer legal protection. Of course there is more in information in the booklet but none of which is relevant to me. One assumes my claim against the bank would come under the contract disputes am I correct? I confirmed with my other half what the Esure person told him and yes she said every case was assessed individually and did not think we were covered, she would have to go and look up our policy and check if we had expenses cover. I have again read all of my policy and all it states is family Legal Protection "yes" £50,000 and nothing else written on the policy, hence we have read the booklet.

Thanks Sue, Hopefully someone will come along and give me some advice

Hi, I am hoping someone can point me in the right direction please, we have home Insurance with Esure and we pay extra for Family Legal Protection. We have been a victim of Telephone Banking Fraud & without going into too much detail (don't want to bore you) we have been advised to start proceedings against the bank for failing to protect our security & personal Identity details & plus we have to get a court order to obtain the recorded telephone calls as we can only have a transcript of the recordings. We have contacted Esure as we have Family Legal Protection and low and behold they are saying that that we are not covered to take legal action for this issue, we asked "what are we covered for then" and we got "we assess each individual case and make a desision" We have looked through our policy and all that it states is Family Legal Protection for up to £50,000 and nothing else, however we have gone through the Policy Booklet and it seems that we are covered, We have been told that they need to have a look at our policy and see if we have legal expense cover, I asked, well if we do not have legal expense cover what the hell is Family Legal Protection. We are going to receive a letter with the desision after they have looked into it. Any advise would be much appreciated as to where do we stand.

Hello, Many thanks for your replies, I have sent the letter requesting a copy of the telephone recordings & I have asked them to certify that the transcript is a true record. I will wait and see what this reveals, & make a decision from there, i have also been advised to ask when the last call was made thus being the 8th time in less than 12 hours, why did the operater not feel that this was unusal activity on my account, this appears not to have been noticed. yet again this causes me concern as to whether the bank have protected my interests in detecting unusual activity, and the fact that 7 of the transfers were made to within the same bank and yet on the 8th call the person was now setting up a standing order to another bank and this amount would have left the account at zero to the penny. This has really affected me, I feel that our Identitys have been burgled, I am not sure I will ever come to terms with this unless I have proof that the bank have conducted security properly, protected our identity, & was able to identify unusal activity on our account.

Hi, I have already ben to the police and got a crime reference number, the money has been refunded, but my question is, I have my doubts that the bank did not perfom security properly when the person rang up 8 times to transfer funds from our bank account. Therefore I have request under the DPA to listen to the telephone conversations recordings as they are recorded, I have been told that I can only have this in a transcript version, and my point is that is no use to me as the bank can edit to suit themselves especially if the have not conducted security properly. I know for a fact that the bank in particular prompt you should you not know the answer to the security question, I also cannot get my head around the fact that the person rang 8 times within 12 hours and passed security every time. I want to ask if under the DPA am I only entitled to a transcript copy of the recordings or am I within my rights to be able to listen to the actual telephone conversations.

I am hoping you will be able to give me the answer:- My bank account has been subject to high value fraudulent use, we have been told by the fraud department that this had been done via telephone banking, this means that someone has all our personal detail i.e. D.O.B, address, postcode, and the answer to a security question, mothers maiden name etc. I cannot take in the fact that someone has all these details, they have made 8 separate transactions and set up one standing order to another bank, I have tried to request to listen to all of the telephone calls under the data protection act, as I need to see if security was conducted properly, as I have been told that the bank have been know on several occasions to prompt a person if they do not know or have forgotten security questions, and the bank are not allowed to do this. I have been told by the bank that I cannot listen to the telephone conversations, I can only have a transcript and that I would have to write in and pay £10 and they have 40 days to provide this. Can someone advise me if I am actually allowed to listen to the actual telephone calls of my account, as a transcript is no use to me what so ever, as they can edit any of the conversation they so wish to. sorry this is a bit long.